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people’s
court Costco
21
Food Court:
25 years
of serving
up value
-ARCH s 6OL s .O
Special Section:
Outdoor living 40
#ARTOON CONTEST WINNERS 35 0ASSOVER AT #OSTCO 44 !MERICAN %XPRESS REBATES
JANUARY 2009 The Costco Connection 1
57
MERCHANT CREDIT CARD PROCESSING
*
1.64%
Plus 20¢ per card-swiped
transaction for retail-classified
merchants.
*
1.99%
Plus 27¢ per transaction for
mail-order, phone-order and
Internet-classified merchants.
S E R V I C E P R O V I D E R ’ S C O U P O N
CALL 1-800-848-6706 AND REFER TO COUPON CODE 83203, OR VISIT COSTCO.COM AND CLICK ON SERVICES.
*Visa/MasterCard/Discover service is sponsored through U.S. Bank. Rates listed are for qualified transactions. Reward cards process at a higher rate. Contact Elavon (previously NOVA Information Systems) for
details. A monthly minimum charge applies when qualified transaction fees and per-item charges are less than $20 per month. Annual interchange or assessment increases by Visa/MasterCard or Discover may
affect these rates. Rates and fees may change without notice. Rate and acceptance are subject to underwriting. Call Elavon at 1-800-848-6706 for all terms and conditions.
**Terms and Conditions apply. Call 1-800-848-6706 for details and refer to priority code 83203. Service is provided by Elavon. Equipment/software purchase is required and will be reimbursed one year from date
of account activation. Offer not to exceed $349. Must be a Costco member and open a new merchant account in March 2009 to qualify for this offer. A signed free terminal addendum must be returned to Elavon
with signed application. Limit one offer per merchant/member and cannot be combined with any other Elavon offer. 09EX0403_B 12/08
2.70
VËNo fees
%
APY 1
VËFDIC deposit insurance
increased to $250,000
until 12/31/09
on balances of $10,000 or more
EXCLUSIVE RATE FOR COSTCO MEMBERS 2.70% APY1
Annual Percentage Yield
(APY) based on balances
of $10,000 or more
Money Market
National Average
0.80% APY3
Also from Capital One:
Capital One Direct Banking deposit products are offered by Capital One Bank (USA), N.A., and Capital One, N.A., members FDIC. May not be combined with any other offers.
1
As of 1/28/09, if the daily balance of this money market account was $10,000 or more, the APY was 2.70%; if less than $10,000, the APY was 1.55%. Minimum initial
deposit amount is $5,000. Terms and conditions of this offer may change at any time. Rates are variable and may change at any time.
2
Withdrawals by online transfer are limited to six per calendar month.
3
Data as of 1/26/09, Informa Research Services, Inc., Calabasas, CA, www.informars.com based on balance of $10,000. Although the information has been obtained from
various institutions, the accuracy cannot be guaranteed.
4
APY in effect as of 1/28/09. Other rates and terms are also available. Rates may change at any time. A minimum deposit of $5,000 is required to open a CD. A substantial
penalty may be imposed for early withdrawal; this fee could reduce earnings. Terms and conditions of this offer may change at any time.
5
Member bonus is paid as an interest credit. To receive the $60 interest credit, you must be a Costco Executive Member at the time you open your account. To receive the $20
interest credit, you must be a Costco Gold Star or Business Member at the time you open your account. This must be your first Capital One Direct Banking account of any kind
through the Costco program and you must fund your account with at least $5,000 within 30 days of account opening. The interest credit will be credited to your account as
interest income 4-6 weeks after you fund your account and may occur as two partial interest credits.
Due to lengthy printing lead times, rates may have changed since printing. See Costco.com or phone number above for most current rates.
© 2009 Capital One. Capital One is a federally registered service mark. All rights reserved. 09EX0512B 1/09
COSTCO MEMBERS REPORT SAVING MORE THAN $400 IN THE FIRST YEAR
WHEN THEY SWITCH TO AMERIPRISE AUTO & HOME INSURANCE.*
SEE HOW MUCH YOU CAN SAVE. Call 1-888-404-5365 or visit Costco.com and search: Auto Insurance.
Mention reference number 8C2-03.
Executive Members receive roadside assistance on vehicles covered through the program and lifetime
renewability on auto policies.**
Insurance is underwritten by IDS Property Casualty Insurance Company and Ameriprise Insurance Company, both in De Pere, WI. Each company is a subsidiary of Ameriprise Financial, Inc. Discounts and savings vary by state and
apply to certain coverages. Insurance may vary by region or state. The auto & home insurance program is not available in AK, LA, MA, ME, ND, RI, WV, WY and Puerto Rico. The home insurance program for Costco members is not
currently available in FL. Ameriprise Auto & Home Insurance’s California license number is 0C41813. Costco Insurance Agency, Inc.’s California license number is 0D08407.
* This data represents information provided by Costco members who became new auto insurance policyholders and reported annual savings with Ameriprise Auto & Home Insurance between 7/1/08 and 12/31/08. Individual savings
and experience may vary based upon a variety of factors including, but not limited to, driving experience and type of automobile insured.
** Lifetime renewability is not available in MD or MI, or to policyholders who have major violations, fail to pay premium, do not provide requested underwriting information, move to a state where Ameriprise Auto & Home Insurance
products are not available, or purchase a vehicle we do not insure. This provision becomes void if there is a substantial change in the condition of the vehicle insured. 09EX0525 1/09
®
A lifestyle magazine for Costco members
Cover story
C PAGE 21 DEPARTMENTS
7
Front End
By Ginnie Roeglin and
David W. Fuller
Dialogue
hot dog cart 25 years ago, selling a hot dog that hot dog and soda hasn’t changed. Letters from our readers
and a soft drink for $1.50. Now? Millions BY DAVID WIGHT Fresh Views
9 Brain food for
the entrepreneur
Consumer Connection
11 By David Horowitz
Financial Connection
13 By Suze Orman
Debate
14 Should animals have the
same rights as people?
Member Connection
64 Odds and ends from
Costco members
INSIDE COSTCO
Costco Travel service
51
16 Survivor Corps 40 Special Section:
Outdoor Living
A cruise on the Paul
Gauguin is an exquisite way
Costco member Jerry White
lost his leg, and found a cause. s Bird and butterfly gardens to experience Tahiti.
BY RALPH GRIZZLE
BY WILL FIFIELD s Backyard makeovers
s Rose-care tips The check’s in the mail
19 Sucess or bust
s Stone-tabletop care
57 Costco American Express
Warren Tracy’s Busted Knuckle
Garage began as a dream—literally.
s Vertical gardening rebates are here!
BY WILL FIFIELD
"9 4 &/34%2 */.%3
Buying Smart:
27 Book Pick: The God of Small Things
44 Passover meals 58 Special Events
Award-winning Indian screenwriter This annual Jewish celebration
Dazzling deals for limited
Arundhati Roy’s 1997 novel of life in includes a variety of tasty times in the warehouses.
India. Plus three other Pennie Picks. traditional dishes. BY PAT VOLCHOK
"9 6!,%2)% 29!. BY LISA ALCALAY KLUG
ALSO
29 Lawyer-ish spoken here
Nolo Press aims to make
45 Germ-free kitchen
Make sure your cooking
60 What’s New
legalese easy to understand. center is clean and healthy. 62 Special Events
BY PETER MALCOLM 63 Costco Services Update
49 Large-scale success
31 Cinderella hamster story?
Disney artist Mark Walton’s voice-
Belly Fat Cure participants
and Q&A with the man MEMBER SE R VICE :
over for Rhino the hamster became behind the diet. 1-800-774-2678
the hit of Bolt. Plus, the star of BY JORGE CRUISE
Twilight speaks.
"9 3#/44 34%)."%2'